Credit Cards (US)

BJ’s One+™ Mastercard® full review: World Mastercard® status and more

On this BJ's One+™ Mastercard® review, you will find out if this card would fit your needs. To sum up, it is suitable for BJ's members, but it may suit you even if you are not a member yet!

BJ’s One+™ Mastercard®: up to 5% back in rewards at no annual fee 

A beautifully designed credit card! Source: The Mister Finance.
A beautifully designed credit card! Source: The Mister Finance.

Whether you are a BJ member or not, this BJ’s One+™ Mastercard® review is worth reading because it offers a good reward rate at no annual or foreign transaction fees.

BJ’s One+™ Mastercard®

How to apply for the BJ's One+™ Mastercard®?

To apply for a BJ's One+™ Mastercard®, you must become a BJ member and need to have an excellent credit score. Learn how the process works!

Also, it is a Mastercard, which means you will be able to use it everywhere where Mastercard is accepted.

Credit ScoreExcellent 
APRFrom 19.74% to 29.74% (variable and based on your creditworthiness)
Annual Fee$0
FeesForeign transaction fee: none;
Cash Advance: $3 or 3% of the amount of each transaction, whichever is greater;
Late Payment: up to $40
Welcome bonusNone
Rewards5% back in rewards on most BJ’s purchases;
2% back in rewards on everything else

The card is offered now by Capital One, and it is replacing the BJ’s Perks Elite® Mastercard® Credit Card.

How does the BJ’s One+™ Mastercard® work?

If you already are a BJ member or are thinking of becoming one, this BJ’s One+™ Mastercard® review gathers important information for you to decide.

In the first place, it offers valuable rewards and discounts, as follows:

  • 5% back in rewards on most BJ’s purchases;
  • 2% back in rewards on everything else;
  • 15¢ off per gal. at BJ’s Gas®.

The card is replacing the BJ’s Perks Elite® Mastercard® Credit Card, and it is now featured by Capital One.

The account is easy to use, and it allows you to make payments, add an authorized user, and set up paperless statements.

In addition, there are no foreign transactions or annual fees. That is, you will be able to use the card wherever and whenever you want, especially because it is a Mastercard.

The rewards never expire, as well. Also, the membership renews itself automatically.  On the other hand, it is important to watch out for the APRs. 

However, the card offers some extra features you may love. Check it out:

  • Zero Liability Protection and ID Theft Protection;
  • Mastercard Global and Travel Services;
  • Airport Concierge;
  • Priceless Experiences, Priceless Golf, and Luxury Hotels Collection;
  • Mastercard Hotel Stay Guarantee and more.

In summary, even though the card requires membership signup, it offers many exclusive benefits to fit both traveler and shopper needs.

BJ’s One+™ Mastercard® benefits

this Mastercard will be accepted everywhere! Source: BJ's.
this Mastercard will be accepted everywhere! Source: BJ’s.

This Capital One credit card suits BJ consumers and those who want to become one. Although APRs are quite high, it doesn’t charge annual and foreign fees.

Plus, it gathers some exclusive benefits, including special perks like airport concierge and more.

Pros

  • It offers up to 5% back in rewards on purchases;
  • It provides discounts on eligible gas purchases;
  • It is a Mastercard full of exclusive benefits;
  • It doesn’t charge an annual fee or a foreign transaction fee.

Cons

  • It requires membership signup;
  • APRs are quite high.

Pre-approved credit cards for low credit score available now

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How good does your credit score need to be?

This exclusive card requires nothing less than an excellent credit score. It is crucial to check your creditworthiness before applying because an application may impact your score.

How to apply for a BJ’s One+™ Mastercard®?

If you already are a BJ member or want to be, a BJ’s One+™ Mastercard® might be your next ally on purchases. Learn how to apply for it!

BJ’s One+™ Mastercard®

How to apply for the BJ's One+™ Mastercard®?

To apply for a BJ's One+™ Mastercard®, you must become a BJ member and need to have an excellent credit score. Learn how the process works!

About the author  /  Aline Augusto

My name is Aline Mesquita; I'm a writer here on the blog, where I write about finance in general and other subjects. I have been working with content creation for ten years. Also, I'm post-graduated in Project Management, with expertise in SEO practices. Currently, I am studying finance, market trends, and cryptocurrencies.

Reviewed by  /  Aline Barbosa

Senior Editor

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